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  Envoy Mortgage Refinance

Envoy Mortgage Refinance

in Mortgage Refinance from Envoy Mortgage · NMLS ID #6666

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Envoy Mortgage Refinance

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in Mortgage Refinance from Envoy Mortgage · NMLS ID #6666

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Highlights
Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 10 - 30 years

Envoy Mortgage Refinance Review

Envoy Mortgage Refinance is offered by Envoy Mortgage (NMLS #6666), a direct lender founded in 1997 and based in Houston, TX. Envoy Mortgage Refinance is available in 49 states (and Washington, DC).

Key Takeaways

  • Mortgage programs available. Envoy Mortgage Refinance refinances FHA, FHA 203k, USDA, VA, conforming, and conventional mortgages.
  • Interest Rate Types. Envoy Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.

Envoy Mortgage Refinance Pros and Cons:

Pros Cons
  • Available in 49 states.
  • Charges an origination fee.
  • Charges prepayment fees.
  • No co-sign option.

What is the maximum loan term for a mortgage refinance via Envoy Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Envoy Mortgage Refinance offers mortgages refinancing with terms ranging from 10 to 30 years.

Does Envoy Mortgage Refinance charge a mortgage origination fee?

Yes, Envoy Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Envoy Mortgage Refinance offer?

Envoy Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Envoy Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Envoy Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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Other Services by Envoy Mortgage

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Availability

  Available in 49 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Loan Term 10 - 30 years
Loan Amount Up to $3,000,000

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